8 Things You Can Do To Get Ready Now:
- Explore current options. You may be able to get coverage now through existing programs. Visit HealthCare.gov to learn more about health insurance for adults up to age 26 and programs for people and children in families with limited incomes including Medicaid and CHIP.
- Learn about different types of health coverage. Through the Marketplace, you'll be able to choose a health plan that gives you the right balance of costs and coverage. You can be better prepared if you understand the types of coverage you'll choose from.
- Make a list of questions you have before it's time to choose your health plan. For example, "Can I stay with my current doctor?" or "Will this plan cover my health costs when I'm traveling?"
- Make sure you understand how insurance works, including things like premiums, deductibles, out-of-pocket maximums, copayments, and coinsurance. You'll want to consider these details while you're exploring your options. Visit HealthCare.gov to learn more about how insurance works.
- Gather basic information about your household income. Most people using the Marketplace will qulify to save money. To find out how much you're eligable for, you'll need income information like the kind you get on your W-2, pay stubs, or tax return.
- Set your budget. There will be different types of health plans to meet a variety of needs and budgets. You'll need to figure out how much you want to spend on premiums each month.
- Ask your employer if it plans to offers health insurance in 2014. If not, you may need to get insurance through the Marketplace or from other sources in 2014.
- Find out if your state is running its own Marketplace. Some states run their own Marketplace. In other cases the Marketplace is run by the federal government. Either way, you get the same access to all of your Marketplace coverage options.
3 Things To Know About The Health Insurance Marketplace
- It's an easier way to shop for health insurance. The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. With one application, you can compare plans, and explore any free or low-cost programs you may qualify for.
- Most people can get a break on costs. When you use the Health Insurance Marketplace you may be able to get lower costs on your monthly premiums and out-of-pocket costs. When you fill out your Health Insurance Marketplace application, you'll find out how much you can save. Most people who apply will qualify for some kind of savings.
- Gives you control over your options with clean, apples-to-apples comparisons. In the Marketplace, information about prices and benefits is writen in simple language. You get a clear picture of what premiums you'd pay and what benefits and protections you'd get before you enroll. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget.
Better Health Insurance Choices
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.
Every health insurance plan in the new Marketplace will offer essential benefits, including doctors visits, preventive care, hospitilization, prescriptions, and more. You can compare plans based on price, quality, and other features important to you before you make a choice.
Insurance Plans Run By Private Companies
Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of essential health benefits. No matter where you live, you'll be able to compare your health insurance options in the Marketplace and find a health plan that meets your needs and fits your budget.
There will also be new protections for you and your family. Health insurance companies can't deny you coverage or charge you more due to pre-existing health conditions, and they can't charge women and men different premiums.
Explore The Marketplace Now
Visit HealthCare.gov now to get answers to your questions and sign up for e-mail or text updates about the Marketplace. You can also call the Health Insurance Marketplace Call Center at 1-800-318-2596. TTY users sould call 1-855-889-4325.
When enrollment begins, you can go to the Marketplace and apply for health coverage, compare all your options, and enroll in a plan in one application.
Open enrollment starts October 1, 2013. Coverage starts as soon as January 1, 2014.
Things to Think About When Choosng a Health Plan
Starting October 1, 2013, the Health Insurance Marketplace will offer different types of health plans to meet a variety of needs and budgets. You'll get a clear pictue of what premiums you'd pay and what benefts and protections you'd get before you enroll. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget.
As you shop for a plan, here are some things you should know:
- All plans in the Martketplace offer the same set of essential health benefits. There are many of the benefits that people need when getting care. They cover things like doctor's visits, prescriptions, hospitalizations, pregnancy, and more.
- Plans can offer other benefits, like vision, dental or medical management programs for a specific disease or condition. However, specific benefits may be different in each state. Even with the same state, there can be small differences between plans. As you compare plans, you'll see what benefits each plan covers. This will be helpful if you have specific health care needs.
- Plans are put into 4 categories.When you compare plans in the Marketplace, they're put into 4 categories based on how you and the plan can expect to share the
costs for health care:
- 1. Bonze
- 2. Silver
- 3. Gold
- 4. Platinum
The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescriptions. It also affects your total out-of-pocket costs – the total amount you’ll spend for the year if you need lots of care. The categories don’t reflect the quality or amount of care the plans provide.
- Premiums are usually higher for plans that pay more of your out-of-pocket medical costs when you get care. For example, if you have a Gold plan, you’ll likely pay a higher premium, but may have lower costs when you go to the doctor or use another medical service.
- With a Bronze plan, you’ll likely pay a lower premium, but pay a higher share of the costs when you get care.
- Platinum plans will likely have the highest monthly premiums and lowest out-of-pocket costs. The plan will pay more of the costs if you need a lot of medical care.
Prepare to Apply
The Marketplace offers different types of health plans to meet a variety of needs and budgets. You'll need to figure out how much you want to spend on health coverage each month.
Most people using the Marketplace will qualify to save money. To find out how much you're eligable for when you apply, it will help to have these things close by:
- Social Security numbers (or document number for legal immigrants)
- Birth dates
- Pay stubs, W-2 forms, or "Wage and Tax Statements"
- Policy numbers for any current health insurance
- Information about any health insurance
- Information about any health insurance you or your family could get from your jobs.
There are resources available right now to help you learn about types of health coverage, research your questions, and get ready to choose a health plan that gives you the right balance of costs and coverage.
- Visit HealthCare.gov and subscribe to learn about key dates, news, and updates; or chat online with a Marketplace Call Center representative.
- Call the Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325
- Like Facebook.com/HealthCareGov
- Follow @HealthCareGov on Twitter
Delaware Ecumenical Council on Children and Families
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